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Review of Steps Taken by Government for MSME's in Digital India

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International Journal of Trend in Scientific
Research and Development (IJTSRD)
International Open Access Journal
ISSN No: 2456 - 6470 | www.ijtsrd.com | Volume - 2 | Issue – 5
Review of Steps Taken
aken by Governm
Government
ent for MSME’s in Digital India
Dr. Parul Sharda
Assistant Professor
Medicaps University, Indore
Indore, Madhya Pradesh, India
ABSTRACT
The MSME sector is also known as growth engine of
Indian economy, this sector is playing a major role in
country’s GDP by its contribution in service sector as
well as in manufacturing sector, in many research
studies, it has been identified that MSME sector is not
getting government support
upport in the manner it has to be.
In this era of digitalization, the need of hour is “digital
platforms” to ease out the process and easy access of
information, so that Micro Small and Medium scale
enterprises benefitted by it. This research paper has
focused
used on the new digital initiatives taken by
government of India to scale up MSME’s, and how
these initiatives can benefit the Indian MSME sector.
Keywords: MSME, Micro, Small and Medium
Enterprises, Digital Initiatives, Digitalized.
1. INTRODUCTION
The Micro, Small and Medium Enterprises (MSME)
sector has emerged as a highly vibrant and dynamic
sector of the Indian economy over the last five
decades. It contributes significantly in the economic
and social development of the country by fostering
entrepreneurship and generating largest employment
opportunities at comparatively lower capital cost, next
only to agriculture. MSMEs are complementary to
large industries as ancillary units and this sector
contributes significantly in the inclusive industrial
development of the country. The MSMEs are
widening their domain across sectors of the economy,
producing diverse range of products and services to
meet demands of domestic as well as global markets.
Ministry of Micro, Small & Medium Enterprises (M/o
MSME) envisions a progressive MSME sector by
promoting growth and development of the Sector,
including Khadi, Village and Coir Industries, in
cooperation with concerned Ministries/Departments,
State Governments and other Stakeholders, through
providing support to existing enterprises, adopting
cutting edge technologies and encouraging creation
of new enterprises.
The Ministry of MSME runs various schemes aimed
at financial assistance, technology assistance and
upgradation, infrastructure development, skill
development
and
training,
enhancing
competitiveness and market assistance of MSMEs.
1.1
1.1.1
Recent Policy Initiatives.
Ease of Registration Process of MSMEsUdyog Aadhaar Memorandum –
Based on the Hon’ble Prime Minister’s suggestion
in his ‘Mann Ki Baat’ on 3 . 1 0 . 2 0 1 4 , to simplify
forms to enable ease of registration of MSME’s,
Ministryof MSME has notified a simple one-page
registration form ‘Udyog Aadhaar Memorandum’
(UAM) on 18th September 2015. The simplified onepage registration form UAM was made after
consultations with the states and stakeholders, on the
basis of recommendations made by the Kamath
Committee
on Financial
Architecture and
observations/approvals by Department Related
Parliamentary Standing Committee, National Board
for MSME and Advisory Committee for MSME etc.
This is a path breaking step to promote ease-ofdoing-business for MSMEs in India as the UAM
replaces the filing of Entrepreneurs’ Memorandum
(EM part-I & II) with the respective States/UTs. The
entrepreneurs in the MSME sector just need to file
online,
a
simple
one-page UAM on
http://udyogaadhaar.gov.in to instantly get a unique
Udyog Aadhaar Number (UAN). The information
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International Journal of Trend in Scientific Research and Development (IJTSRD) ISSN: 2456-6470
sought is on self-certification basis and no
supporting documents are required at the time of
online filing of UAM. Revised notifications were
also issued on 10.01.2017 and 30.06.2017 for
inclusion of new features including amendment
provisions.
More than 38.95 lakh UAMs have been filed since
September 2015upto December 2017. The filing of
the UAMs has also significantly increased the
information available with the Ministry of MSME
regarding the trends in the sector and enhanced its
capability to monitor trends within sub-categories
within the MSME sector, such as manufacturing,
services, enterprises, employment trends, and
investment details.
1.1.2
FRAMEWORK FOR REVIVAL AND
REHABILITATION OF MSMES
In order to provide a simpler and faster mechanism to
address the stress in the accounts of MSMEs and to
facilitate the promotion and development of MSMEs,
the Ministry of Micro, Small and Medium
Enterprises, Government of India, vide its Gazette
Notification dated May 29, 2015 notified a
‘Framework for Revival and Rehabilitation of Micro,
Small and Medium Enterprises’. Reserve Bank of
India, after continuous follow up, has also issued
guidelines to the Banks on 17.3.2016. Under these
guidelines Banks have created a structure for finalising
corrective action plan for revival & rehabilitation of
MSMEs.
1.1.3 MSME DATA BANK
For facilitating the promotion and development and
enhancing the competitiveness of MSMEs, the
Ministry of MSME vide Gazette Notification No.
750(E) dated 29.07.2016 had notified the MSME
Development(Furnishing of information Rules, 2016)
under which all MSMEs are to furnish information
relating to their enterprises online to the Central
Government in the data bank maintained by it at
www.msmedatabank.in. This data bank will enable
the Ministry to streamline and monitor the schemes
and pass on the benefits directly to MSMEs. It will
also provide the real-time information about the status
of MSMEs under various parameters. Data Bank is
helpful to MSME units, who can now update their
enterprise information as and when required without
visiting any government office and also update
information about their products/ services, which
can be accessed by government departments to do
procurement under Public Procurement Policy of
Government of India. More than 1.22 lakh units have
been registered (upto December 2017) under MSME
Data Bank since issuance of its notification.
1.1.4 MYMSME
To facilitate the enterprises to take benefit of various
schemes
by the
Office
of
Development
Commissioner (MSME), his office has launched a
web-based application module, namely, MyMSME.
This has also been converted into a mobile app.
Entrepreneurs will be able to make their applications
and track it on their mobile itself.
1.1.5
DIRECT BENEFIT TRANSFER IN THE
M/O MSME
All welfare and subsidy schemes of Governments of
India have been brought under Direct Benefit
Transfer (DBT) with the aim of reforming
Government delivery system by re- engineering the
existing process in welfare and subsidy schemes, for
simpler and faster flow of funds and to ensure accurate
targeting of the beneficiaries, de-duplication and
reduction of fraud. As the nodal point for the
implementation of the DBT programmes, DBT cell
have been constituted in the Ministry. In 2017-18 all
the 22 schemes of the Ministry of MSME were onboarded on DBT Bharat Portal out of which 1 scheme
(i.e. TREAD scheme) has subsequently been wound
up.
The schemes have been categorized based on the
benefit type to the beneficiary’s i.e., Cash, Kind or
Composite (i.e. Cash and Kind). Below is the table
showing the DBT schemes of the Ministry with the
benefit type, number of beneficiaries and total
funds
transferred
/
expenditure
incurred?
Sl.
No.
Name of the Scheme
Benefit
Type
1
2
3
ATI Scheme (Training Component)
Marketing Assistance Scheme
Coir Udyami Yojana
In Kind
Cash
Cash
Total no. of
beneficiaries
(till Dec, 2017)
1671
334
319
Total Expenditure
(Rs. Lakhs) (till
Dec, ’17)
296
81.36
811
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4
5
6
7
10
11
MPDA Grant To Khadi Institutions
Coir Vikas Yojana
SFURTI- SI
PMEGP Prime Ministers Employment
Generation Programme
Credit Guarantee Scheme
Interest Subsidy Eligibility Certificate For
Khadi and Polyvastra –ISEC
National Awards
MDP-EDP-Skill Development
12
Zero Effect Zero Defect ZED
13
Technology And Quality Upgradation Support
Through MSMEs – TEQUP
MATU Scheme Excluding Vendor
Development Programme and
International/NationalWorkshop/ Seminar
Credit Linked Capital Subsidy Scheme CLCSS
IPR Building Awareness On Intellectual
Property Rights For MSMEs
Lean Manufacturing Competitiveness Scheme
For MSMEs
Design Clinic Scheme For Design Expertise To
Micro, Small And Medium Enterprises
Incubation Centre Support For Entrepreneurial
And Managerial Development Of SMEs
Through Incubators
Performance And Credit Rating Scheme
International Co-operation (IC) Schemes
Trade Related Entrepreneurship Assistance And
Development Scheme For Women
8
9
14
15
16
17
18
19
20
21
22
Cash
Cash
In Kind
Cash
342981
1199
50000
26072
6085
32.11
1203
72073
In Kind
Cash
2916910
1305
8200
1314
Cash
Cash & In
Kind
Cash & In
Kind
Cash
50
15236
50
223.53
58
1015.24
1
0
Cash
129
50.55
Cash
In Kind
4081
417
283444.16
0
In Kind
1091
321.82
Cash
112
50.53
In Kind
56
80.74
Cash
11424
Cash
567
Wound up
during
2017-18
Source: Annual Report 2017-18 DC-MSME
*The DBT applicable component for the scheme is
very minimal and thus the fund transfer is NIL
25836.7
2993.7
Information System (MIS) and its integration with
DBT Bharat portal is also in completion stage for all
21 on-boarded schemes.
The key performance indicators of DBT are:
Beneficiary Digitization (including Aadhaar
seeding and validation):8 schemes have completed
100% beneficiary digitization. Rests of the schemes
are in the process of achieving the 100% completion.
Notification of schemes under section 7 / 57 of the
Aadhaar act: The issuance of notification of schemes
under section 7/57 of the Aadhaar Act, 2016 is under
process.
Funds transfer electronically: Funds are being
transferred under all schemes using PFMS and other
electronic modes. Hence, 100% electronic transaction
is being achieved.
GST ROLLOUT AND MINISTRY OF MSME
Ministry of MSME had made elaborate arrangements
for smooth roll out of GST. The following were taken
involving all the stakeholders:
Scheme specific MIS Integration with the DBT
Bharat portal: The Scheme Specific Management
All field organisations under the Ministry, namely,
Office of Development commissioner (Micro, Small
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and Medium Enterprises), Khadi and Village
Industries Commission (KVIC), National Small
Industries Corporation (NSIC), Coir Board, National
Institute for Micro, Small and Medium Enterprises
(Ni-MSME), Mahatma Gandhi Institute for Rural
Industrialization (MGIRI) opened GST Cells in their
respective offices to provide requisite support to
MSMEs with respect to GST issues. More than
20000 persons have been trained in the various
nuances of GST through workshops by M/o MSME
and all its field organizations.
The then Union Minister for Micro, Small and
Medium Enterprises, Shri Kalraj Mishra at the
National Workshop on GST Readiness of the
Ministry of MSME, in New Delhi on July 13, 2017.
The Ministers of State for Micro, Small & Medium
Enterprises(I/C), Shri Giriraj Singh & the then MoS
Shri Haribhai Parthibhai Chaudhary and other
dignitaries are also seen.
Source: Annual Report 2017-18 DC-MSME
A special issue of Laghu Udyog Samachar was
brought out fully dedicated to GST related issues. It
is available online at http://dcmsme.gov.in/Laghu
Udyog Samachar. html.
A GST specific window has already been opened
within the Internet Grievance Redressal System
(IGMS) of the Ministry of Micro, Small and Medium
Enterprises, an entry for which is also available at the
abovementioned GST-MSME Link http://igms.
msme.gov.in/Mymsme/grievance/COM.
Ministry set up a 24x7 helpline in NSIC to attend to
queries.
Ministry also conducted a wider consultation
workshop with all associations in which, the sector
expert pertaining to MSME of the GST Council
made a presentation and clarified the queries and
concerns in FICCI Auditorium on 13.07.2017.
1.1.6 DIGITAL PAYMENTS
Government of India is making efforts for promoting a
less cash economy and to provide the facility of
seamless digital payment to all citizens of India in a
convenient manner. Promotion of digital payments
has been accorded highest priority by the Government
of India to bring each and every segment of our
country under the formal fold of digital payment
services. The Vision is to provide facility of seamless
digital payment to all citizens of India in a convenient,
easy, affordable, quick and secured manner.
As a partner in the initiative, Ministry of MSME has
taken numerous initiatives to digitally enable the
entire MSME ecosystem. In line with the
recommendations of Committee of Secretaries
(CoS) on Digital Payments has been constituted in
the Ministry under the Chairmanship of Secretary
(MSME) for making the Ministry and its attached
offices to oversee the successful implementation of
Digidhan Mission.
All the offices of Ministry of Micro, Small and
Medium Enterprises, including its attached offices
have been digitally enabled.
For the MSME registered under UAM, efforts have
been made to spread awareness on the ease and
benefits of different modes of payments such as
BHIM, UPI and Bharat QR code.
For the Ministry and its attached offices (KVIC,
Coir Board, NSIC, MGIRI, NIMSME) 89% of the
bulk Digital Payment transactions during the current
Financial Year were digital which accounted for more
than 99% of total value of the transactions.
1.1.7 GRIEVANCE MONITORING
The Ministry attends to all the grievances on
Centralized
Public
Grievance
Redress
and
Monitoring System (CPGRAMS) and the number of
the pending grievance on CPGRAMS as on
31.12.2017 was 61. The Ministry has started an
MSME internet grievance monitoring system
(eSAMADHAN) to track and monitor other grievances
and suggestions received in the Ministry.
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1.1.8
MSME SAMADHAAN: TO ADDRESS
DELAYED PAYMENT TO MSES
Section 15-24 of The Micro, Small and Medium
Enterprises Development (MSMED) Act, 2006 deal
with the issues relating to the Delayed Payments to
Micro and Small Enterprises (MSEs) by the buyers to
the MSE supplier. In the case of delay in payment
beyond 45 days, MSEs suppliers may approach the
Micro and Small Enterprises Facilitation Council
(MSEFC) constituted under the Act in all
States/UTs. Under Section 16 of the MSMED Act,
delayed payment to supplier units, attracts compound
interest with monthly rests at three times of the bank
rate notified by the Reserve Bank.
To further the objectives of MSMED Act, 2006
Ministry
of
MSME
launched
a
portal
th
(http://samadhaan.msme.gov.in/) on 30 October,
2017. The portal gives information about individual
CPSEs/ Central Ministries, State Govts. etc. and
other buyers regarding the payments pending with
them in respect of the MSEs. The Central Ministries/
State Govt. have been provided with user-ID and
password to login and monitor the delayed payment
cases in respect of organisations under their
jurisdiction. The said portal also facilitates MSEs to
file their delayed payments related complaints online.
After 15 days of online filing of the case, it is
automatically registered with the MSEFC concerned.
From the date of launch of MSME SAMADHAAN
portal, i.e. 30th October 2017, MSEs have filed 2927
applications related to delayed payments. These cases
involve an amount of Rs. 744.65 Crore. This portal
has also helped in getting the delayed payments
getting settled mutually between seller and buyer.
105 mutual settlements have been done amounting
to Rs. 8.87 Crore. Applications are getting converted
to cases by MSE-Facilitation Councils in States. 264
applications have been converted to cases by
31.1.2018.This has empowered the MSEs to file
their delayed payments cases directly. This is being
monitored by respective Ministries/ CPSEs and State
governments.
1.1.9 MSME-SAMBANDH
The Ministry of Micro, Small and Medium Enterprises
notified the Public Procurement Policy for Micro and
Small Enterprises which mandates 20% of annual
procurement from MSEs including 4% from
enterprises owned by SC/ST entrepreneurs by the
Central Ministries / Departments and Central Public
Sector
Enterprises
(CPSEs).
For
effective
implementation and monitoring of the policy, the
Ministry launched the Public Procurement Portal
titled “MSME-SAMBANDH” on 08.12.2017.
Hon’ble MoS (I/C) Shri Giriraj Singh launching the
procurement portal- MSME-SAMBANDH in New
Delhi on December 8, 2017. The Secretary MSME,
Dr. Arun Kumar Panda and Ms. Seema Bahuguna
Secretary, Ministry of Public Enterprises, AS & DC,
MSME, Shri Ram Mohan Mishra are also seen.
Source: Annual Report 2017-18 DC-MSME
The portal would help in monitoring the
procurement by Central Government Ministries,
Departments and Central Public Sector Enterprises
(CPSEs) and would enable them to share the list of
required products/services from MSEs. The portal
features the following:
Central Government Ministries, Departments and
Central Public Sector Enterprises (CPSEs) have
been provided authenticated access in the portal.
Annual Targets for procurements of the CPSEs
will be uploaded on the portal and will be
available in public domain.
Monthly Update of Procurement by CPSEs from
MSEs, Monthly Update of Procurement by CPSEs
from MSEs owned by SC/ST
Reports for monitoring by Heads of Ministries,
Departments and CPSEs
Items purchased by CPSEs - Hyperlinks to CPSEs
web page from Sambandh Portal will be available
in public domain.
108 CPSEs have uploaded their annual
procurement target as on 1st February, 2018.
These CPSEs have reported an annual
procurement target of Rs 85,619 Crore. 88
CPSEs have reported their actual procurement
amounting to Rs. 62,695 Crore. The share of
purchases from all MSMEs amounts to Rs.
14,334 Crore. The amount of purchases from
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SC/ST owned MSMEs is reported to be Rs. 267
Crore. It is also reported by CPSEs that 50,427
MSMEs have contributed to these procurements.
1084 MSMEs are owned by SC/STs in these
procurements.
1.1.10 TECHNOLOGY CENTRE SYSTEMS
PROGRAMME (TCSP)
To expand and upgrade the network of Technology
Centres (Tool Rooms and Technology Development
Centres) in the country, Ministry of MSME is
implementing
Technology
Centre
Systems
Programme (TCSP) at an estimated Projected Cost
of Rs. 2200 Crores including World Bank Loan
assistance of USD 200Mn to establish 15 new
Technology Centres (TCs) and upgrade existing TCs
across the country.
Jalandhar, IGTR Indore, CITD Hyderabad, CTTC
Kolkata and IDTR Jamshedpur, 122 world class
machines are being procured.
The Project Is Scheduled To End By 2020-21. It Is
Expected That After Completion Of The Project,
The Training Capacity Of The Network Of The
Tcs Will Be Enhanced From Present 1.5 Lakh To
2.5 Lakh Per Annum. The New Tcs Will Also
Provide Consultancy, Incubation, Tolling Support
And Other Production Related Services. The
Project Will Provide An Eco System For The
Growth And Development Of Msmes All Across
The Country. The Setting Up Fragrance And
Flavour Centre In Imphal Will Enhance The
Income Of Farmers By Creating An Eco System
Of Values Added Products From Agriculture
Produce.
TCSP has been conceptualized to create an innovative
eco-system with following components which will
engage with each other to create value:
Establishment of Physical Infrastructure: This
includes establishment of 15 New Technology
Centers and up-gradation/modernization of
existing Technology Centers.
Engaging the services of world class
Technology Cluster Manager (TCM) to help
enhance the technical capabilities of sector
specific TCs and thereby helping them in linkages
with the MSMEs and institutions.
To Establish A Web Portal For Creating A
Technology Platform To Meet Various Needs Of
Msmes In Addition To Implementation Of Erp In
Technology Centres.
Fuel Line Replacement Units In Tejas Aircraft By
Msme Technology Centre, Cttc, Bhubaneswar
STATUS OF THE PROGRAMME:
The implementation of the programme
commenced from 15th January 2015.
Construction work started for 10 new
Technology Centres (TCs), Rohtak, Bhiwadi,
Baddi,
Bengaluru,
Durg
Puducherry,
Vishakhapatnam, Sitarganj, Bhopal and Kanpur.
Construction work also started for upgradation of
3 exixting TCs, Bhubaneswar, Mumbai and
Aurnagabad. The estimated cost of construction of
these TCs is Rs 600 corore.
For Modernization of CTTC Bhubaneswar,
IGTR, Aurangabad and IDEMI Mumbai, 44 high
endmachines and equipment have been procured.
These machines are state of the art machines
providing world class services to the industry.
For modernization of CTR Ludhiana, CIHT
1.2
Partnership with Industry
In addition to MoU signed with Samsung Electronics
India for skilling youth in repairing & maintenance
of electronic products, the DC (MSME) also signed
MoU with SAP India for skilling of youth in ERP
SAP Business One Module. These skill development
programmes are conducted through MSME
Technology Centres.
1.2.1 INTERNATIONAL MOUS
Ministry of MSME has not signed any MoU during
2017-18 at Government to Government level with
foreign countries for cooperation in MSME sector. But
in this year we had taken a step ahead and Shri Giriraj
Singh, Hon’ble Minister of State (Independent
Charge), Ministry of MSME, Government of India
and Dr. Mustapa Mohamed, Minister of International
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Trade & Industry, Government of Malaysia,
witnessed the MoU Signing Ceremony of National
Small Industries Corporation of India and SME Corp.
Malaysia on 25-01-2018for Cooperation in MSME
sector. The MoU was signed by Shri Ravindra Nath,
Chairman & Managing Director, NSIC and Dr.
Hafsah Hashim, CEO, SME Corp. Malaysia. Shri
Arun Kumar Panda, Secretary (MSME), other senior
officials of Ministry of MSME, Govt. of India and
officials of Ministry of International Trade,
Government of Malaysia were also present on the
occasion.
Minister of State for Micro, Small & Medium
Enterprises (I/C), Shri Giriraj Singh and the Minister of
International Trade & Industry (MITI), Malaysia,
Dato’ Sri Mustapa Bin Mohamed witnessing the
signing of an MoU, at the SME Business Networking
event, in New Delhi on January 25, 2018. The Secretary,
MSME, Shri Arun Kumar Panda is also seen.
Source: Annual Report 2017-18 Dc-Msme
1.2.2
MOU
WITH
NSIC
FOR
PROVISION OF SERVICES FOR MSMES
The National Small Industries Corporation (NSIC)
signed Memorandum of Understanding (MoU) for
the year 2017-18 with the Ministry of Micro, Small
and medium Enterprises, Government of India on
08.06.2017. The MoU envisages provision of
enhanced services by NSIC under its various schemes
for MSMEs in the country with the growth in the
operational performance of the Corporation during the
year 2017-18. NSIC has been graded as very good for
FY 2016-17.
1.3
SWACHHTA PAKHWADA BY MINISTRY
OF MSME
Ministry of MSME celebrated the Swachhta Pakhwada
from 1st to 15th December, 2017. Union Minister of
State (Independent Charge) Shri Giriraj Singh
distributed Swachhta Awards in a function held in
Vigyan Bhawan at New Delhi on 15.12.2017.
Industrial Clusters, Industry Associations and
MSME Offices were felicitated for their
contribution to Swachh Bharat Abhiyaan. Dr. Arun
Kumar Panda, Secretary (MSME) and Shri
ParmeswaranIyer, Secretary, Ministry of Drinking
Water and Sanitation (DWS) along with other
dignitaries and senior officials from the Ministry
were also present.
Minister of State for Micro, Small & Medium
Enterprises (I/C), Shri Giriraj Singh presenting the
Swachhata Awards 2017, at a function, in New Delhi
on December 15, 2017. The Secretary, MSME, Shri
Arun Kumar Panda and the Secretary, Ministry of
Drinking Water and Sanitation, Shri Parameswaran
Iyer are also seen.
Source: Annual Report 2017-18 DC-MSME
For the first time, Swachhta Pakhwada was organized
by the Ministry with grandeur through its field offices
and organisations spreading across the country.
Awareness campaigns and seminars on new and
Innovative technologies on cleanliness were organised.
School children were also associated in activities like
tree plantation, painting competition, essay and slogan
writing competition, etc. Speaking on the occasion,
Shri Giriraj Singh said that Swachh Bharat
Abhiyaan started by the Hon’ble Prime Minister in
2014 on the birth anniversary of Mahatma Gandhi is
changing the world’s perception about India. The
Ministry of MSME and its subordinate offices are
regularly organising cleanliness drives not only in their
respective offices but also in the industrial clusters,
industrial estates, to translate this great vision of
Hon’ble Prime Minister to reality. Awareness is
being created amongst MSMEs about the
importance of setting up of effluent treatment
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plants and adopting waste management techniques.
This is one such initiative to create a healthy
competition amongst industrial clusters industrial
estates and offices for Swachhta.
Conclusion:
“Although slow, but steadily we are moving in a
digital economy and this will give a boost to Indian
MSME’s which are popularly known as growth
engine of economy”. We hope that in 2018-19 the
digital initiatives taken by Govt. of India will gear up
the progress of country and soon we will become 5th
largest economy. According to Times of India 11th
July 2018, India is now a 6th largest economy in
World. Globally, the Services sector contributes a
whopping 75% of the global GDP and overall
employment. India's GDP composition, according to
multiple sources, is as follows: Agriculture: 16%;
Industry: 26%; Services: 58%. In other words, the
Services sector contributes more to India's economy
than the other two sectors combined (Economic
Times January 27th 2018)
References
1. dcmsme.gov.in/
2. //economictimes.indiatimes.com/articleshow/6267
0137.cms?utm_source=contentofinterest&utm_me
dium=text&utm_campaign=cppst
3. Annual report of MSME 2016-17
4. Annual report of MSME 2017-18
5. http://udyogaadhaar.gov.in
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Page: 1391
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